Jiayin Group Inc (JFIN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Jiayin Group Inc stock (JFIN) is currently trading at $5.41. Jiayin Group Inc PE ratio is 1.14. Jiayin Group Inc PS ratio (Price-to-Sales) is 0.04. Analyst consensus price target for JFIN is $11.31. WallStSmart rates JFIN as Moderate Buy.
- JFIN PE ratio analysis and historical PE chart
- JFIN PS ratio (Price-to-Sales) history and trend
- JFIN intrinsic value — DCF, Graham Number, EPV models
- JFIN stock price prediction 2025 2026 2027 2028 2029 2030
- JFIN fair value vs current price
- JFIN insider transactions and insider buying
- Is JFIN undervalued or overvalued?
- Jiayin Group Inc financial analysis — revenue, earnings, cash flow
- JFIN Piotroski F-Score and Altman Z-Score
- JFIN analyst price target and Smart Rating
Jiayin Group Inc
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JFIN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Jiayin Group Inc (JFIN)
JFIN trades at a significant discount to its Graham intrinsic value of $221.36, offering a 97% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Jiayin Group Inc (JFIN) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, price/sales. Concerns around market cap and revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Jiayin Group Inc (JFIN) Key Strengths (6)
Every $100 of shareholder equity generates $48 in profit
Keeps $31 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 44.70% year-over-year
Keeps $26 of every $100 in revenue as net profit
Supporting Valuation Data
Jiayin Group Inc (JFIN) Areas to Watch (3)
Revenue growing slowly at 1.80% annually
Very low institutional interest at 4.33%
Micro-cap company with very limited liquidity and high volatility
Jiayin Group Inc (JFIN) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 6 register as strengths (avg 10.0/10) while 3 fall into concern territory (avg 2.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Operating Margin, Price/Sales. Valuation metrics including Price/Sales (0.04), Price/Book (0.46) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 47.80%, Operating Margin at 31.10%, Profit Margin at 26.20%. Growth metrics are encouraging with EPS Growth at 44.70%.
The Bear Case
The primary concerns are Revenue Growth, Institutional Own., Market Cap. Growth concerns include Revenue Growth at 1.80%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 47.80% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 1.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Return on Equity and Operating Margin makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
JFIN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
JFIN's Price-to-Sales ratio of 0.04x sits near its historical average of 0.05x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 12% below its historical high of 0.05x set in Mar 2026, and 10% above its historical low of 0.04x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~0.1x as trailing revenue scaled faster than the stock price.
Compare JFIN with Competitors
Top INTERNET CONTENT & INFORMATION stocks by market cap
Compare any two stocks →WallStSmart Analysis Synopsis
Data-driven financial summary for Jiayin Group Inc (JFIN) · COMMUNICATION SERVICES › INTERNET CONTENT & INFORMATION
The Big Picture
Jiayin Group Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 6.5B with 180% growth year-over-year. Profit margins are strong at 26.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 180% YoY, reaching 6.5B. This pace significantly outperforms most INTERNET CONTENT & INFORMATION peers.
ROE of 4780.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Jiayin Group Inc maintain 180%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 14.8%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INTERNET CONTENT & INFORMATION industry trends, competitive moves, and regulatory changes that could impact Jiayin Group Inc.
Bottom Line
Jiayin Group Inc offers an attractive blend of growth (180% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 8:23:45 AM
About Jiayin Group Inc(JFIN)
NASDAQ
COMMUNICATION SERVICES
INTERNET CONTENT & INFORMATION
China
Jiayin Group Inc. is an online individual financial platform connecting individual investors and individual borrowers in China. The company is headquartered in Shanghai, the People's Republic of China.